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Affordable Tractor Insurance - Everything you need to know to  get the right cover

Affordable
Tractor Insurance

Everything you need to know to get the right cover

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Tractor Insurance

Our tractor insurance is there when you need it, whether you use your tractor for agricultural purposes, plowing matches, or just as a vintage collector. Our specialist team will help you get the right cover for your tractor.

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Your tractor, your liveliwood

At UK Sure, we understand that tractors and agricultural vehicles are integral to your livelihood.

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They are huge assets and play a major part in many businesses, so it’s important to make sure you’re covered to help keep things running smoothly should the worst happen.

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As an insurance broker, we work with a panel of insurers to help find the right policy for you. Plus, we’re at your side if you need to make a claim, helping liaise directly with the insurer, so you can focus on your business.

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Get a quote today and let's get started!

What is tractor insurance?

Tractor Insurance - Tractor insurance covers your vehicle for things such as theft and vandalism. There are various policies that you can choose from to provide you with your desired cover.
Tractor insurance isn't necessarily a legal requirement if you are solely using it on your land. However, tractor insurance is a worthy investment to protect your assets against unexpected circumstances.
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Covering the cost of lost or damaged vehicles can have a significant financial and emotional impact, which is where insurance can help to soften the blow. Insurance may also be mandatory if you have used a loan to help pay for your tractor.

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Tractors we cover - We can provide insurance cover for all makes of tractor including John Deere, Massey Ferguson, Ferguson, New Holland, Case, Claas, Fendt, Valtra, David Brown, Deutz, Nuffield, Zetor, Field Marshall, McCormick, Ford, Fordson, Landini, Leyland, Kubota, JCB, Same, Lamborghini, Mahindra, Ursus, Dong Feng, Kioti, Shire!

Save money with
Tractor Insurance

Unlimited mileage

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Coverage for tractor up to £250,000

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Great Breakdown Cover

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Competitive rates

Meet the team

Prefer to speak with us?

Please call

01323 416706

Buy Tractor Insurance with UK Sure

Tractors are used by farmers and landowners all over the world to help with agricultural work. Many people also take vintage and classic tractors to showcase at rallies and events. Unfortunately, these heavy-duty vehicles can also cause substantial damage to property and people if they are used incorrectly or are involved in accidents.

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As tractors evolve into modern form, they have become faster and more powerful with a range of expensive gadgets and extras. Despite the numerous benefits, these improvements can increase the risks involved in working with these kinds of vehicles. Newer tractors are also at an increased chance of getting stolen as they are more valuable.

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Your tractor may be an essential part of your job, which can make damage or legal fees all the more difficult to deal with if you are left unable to work for an extended period. In instances such as this, tractor insurance can give you peace of mind to know that you have some financial help to ease the burden should the worst happen.

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Insurance can help cover legal fees and fund a replacement tractor or parts. You can also find a tractor fleet policy that covers other vehicles on your land, such as 4x4s, vans, and diggers.

What does tractor insurance cover?

Tractor insurance covers the vehicle and may also cover trailers and accessories, depending on the policy. This could include add-ons such as horse and livestock trailers. The insurance will also cover spare parts and any personal belongings that are in the vehicle at the time of the incident.

 

There is no legal requirement to insure your tractor for the road if you only use it on your land. However, you will need road insurance if you take the tractor off your land.

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There are three types of cover that you can choose from. Below is a summary of what you can expect with each level of cover.

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Third-party only (TPO)

Third-party only is the most basic form of cover. This insurance will cover you if a claim is made against you. For example, if your tractor injures someone or damages their property. TPO insurance will not cover you if your tractor is stolen or damaged.

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Third-party, fire, and theft (TPFT)

TPFT insurance covers everything that Third Party covers, along with some extras. As the name suggests, you will also be covered if your tractor is stolen or damaged in a fire.

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Comprehensive

This insurance policy offers the most cover out of the three. You will be covered for third-party, fire, and theft as with the previous policy. You will also be covered if you are involved in an accident or your tractor is damaged due to vandalism.

How to choose the right tractor insurance company

Choosing the right insurance company involves several things. Go for insurers that specialise in agricultural vehicles as they understand tractors. These specialist agricultural insurers can give you tailored cover to suit your needs.

 

Also, consider the insurer’s claims process and customer service reputation. You want to know you’ll get personal service when you need it for a smooth insurance experience. Choose your insurer carefully, and you’ll get the best cover for your tractor.

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Conclusion

Knowing the different cover options, from comprehensive to agreed value to limited mileage discounts, means you can choose the right tractor cover for your needs. Personalised quotes and event cover add to your protection.

 

In summary, choosing the right insurer and knowing what affects the cost of insurance will get you the best cover for your vehicle.

Vintage & Classic
Tractor Insurance

Unlimited mileage

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Coverage for tractor up to £250,000

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Great Breakdown Cover

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Competitive rates

Meet the team

Prefer to speak with us?

Please call

01323 416706

Frequently Asked Questions

Question: How much is tractor insurance?

Tractor insurance costs vary greatly depending on factors like the tractor's value, usage, and the level of coverage you choose. However, for basic third-party cover, expect to pay around £25 per month, while comprehensive cover can cost £50 or more.

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Question: Can I insure multiple tractors under one policy?

Yes, you can insure multiple tractors with one policy using a multi-vehicle policy, which may also offer you a discount.

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Question: At what age can I drive a tractor in the UK?

In the UK, you can drive an agricultural tractor on the road at 16 with a Category F license, but with restrictions on width and trailer type, and at 17 without restrictions.

Here's a more detailed breakdown:

Age 16:

You can obtain a provisional Category F license at 16, which allows you to drive an agricultural tractor on the road, but only for agricultural purposes or to/from a Category F driving test.

 

Restrictions at 16:

You can only drive tractors with a maximum width of 2.45 meters. You can tow trailers with a maximum width of 2.45 meters, and either 2 wheels or 4 close-coupled wheels. You cannot practice driving on the road, except to/from a driving test.

 

Age 17:

At 17, you can drive any agricultural tractor on the road and tow any trailer, without the restrictions that apply at 16. You must hold a full Category F license to drive a tractor on the road

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Question: I need to insure my tractor?

Yes, tractor insurance is legally required if you use your tractor on public roads. Even if it's solely used on private property, insuring it is advisable due to the high cost of such equipment and the potential costs associated with accidents or theft.

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Question: What insurance coverage do I need for a tractor?

If you operate a tractor on public roads or outside your property, you are legally required to have at least third-party agricultural vehicle insurance.

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Question: Which type of insurance cover is best for tractors?

A comprehensive motor insurance is ideal as it covers loss or damage from theft and provides coverage for damages resulting from natural disasters like floods and earthquakes.​​

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Question: Do tractors need an MOT?

In the UK, tractors used solely for agriculture, horticulture, or forestry (and eligible for agricultural tax) are exempt from MOT testing. Here's a more detailed explanation:

 

Exemptions:

Tractors are exempt from MOT testing if they are used solely for agricultural, horticultural, or forestry purposes and are taxed in the agricultural tax class.

 

Roadworthiness:

While exempt from MOT, tractors must still be roadworthy and safe to operate.

 

Other Tax Classes:

Tractors taxed in any other tax class (not agricultural) are required to hold a valid goods vehicle testing certificate.

 

Limited Use Vehicles:

Vehicles used only on public roads that pass between different areas of land occupied by the same person and travel distances not exceeding 1.5km in each trip are exempt from vehicle tax, but still need a vehicle license renewal each year.

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Historic Vehicles:

Historic (classic) vehicles that were first registered more than 40 years ago and have not undergone substantial changes in the last 30 years are also exempt from MOT.

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Question: How does tractor insurance function?

Tractor typically covers replacement or repair costs if your tractor is stolen or vandalized, up to a specified limit. Depending on your policy, it may also cover repairs due to specific incidents.

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Question: Can you drive a vintage tractor on public roads?

In the UK, agricultural vehicles can be driven on public roads for distances, typically up to 1.5 kilometers, when traveling between fields and farms.​​

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Question: Can I operate a tractor with my car driving license?

Yes, passing a standard car driving test (category B) grants you the entitlement to drive agricultural tractors.

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Question: Do I need to SORN my tractor?

If you plan to keep your tractor on private land, you might need to declare it SORN. Some agricultural vehicles may not require tax.

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Question: Is a car license sufficient for driving a tractor?

To drive a tractor on public roads, you need a category F license. However, category B (car license holders automatically have category F entitlement. For driving track-laying vehicles like tractors, a category H entitlement is required.​​

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Question: Do tractors need a flashing beacon in the UK?

Yes, amber beacons are required for vehicles and trailers that cannot exceed 25 mph when driven on unrestricted carriageways.

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Question: How do I register a tractor with the DVLA?

To register your farm vehicle with the DVLA, ensure it meets the requirements. You'll need to submit your registration documents and proof of approval to DVLA Swansea, SA99 1BE.

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Question: What is the maximum speed a tractor can travel on the road?

Legally, tractors and agricultural machines not classified as “high-speed” have the following speed limits: Under 2.55m wide = Max speed 25 mph; Between 2.55m and 3.5m wide = Max speed 20 mph; Over 3.5m wide = Max speed 12 mph.

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Do you have a question about tractor insurance?
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How our customers rate us

They saved me.. thanks

Kobina Ampah

2025-06-12

Beatriz Rodrigues

2025-05-27

They are good professionals! Always ready to help! I was the best choice I made! 🙂

RACHEL SHANNON

2025-05-22

Absolutely 10/10 The service received from start to finish has been fantastic despite the complexity of the insurance required. Customer service received was superb in every way (specially Marco who has been super super helpful in securing the policy) at a great price too.

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